Last update: Oct 2026

Cost of Living Comparison Between Tauranga and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,123 in Tauranga, rent and utilities included – about $9,100 less a year. Rent and utilities account for most of the difference.

104

Cost of Living Index in Tauranga
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Tauranga Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Tauranga

🇳🇿 New Zealand

$2,123

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Tauranga and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tauranga and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,123 in Tauranga versus $1,368 in Ubud, Bali.

Tauranga $2,123
Ubud, Bali $1,368

Estimated couple costs with rent: $2,894 in Tauranga versus $2,314 in Ubud, Bali.

Tauranga $2,894
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,666 in Tauranga versus $3,260 in Ubud, Bali.

Tauranga $3,666
Ubud, Bali $3,260

Living in Tauranga is roughly 55% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Tauranga 57% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$13.92 NZ$24.62

$3.33 Rp 59.9K

318.02%

Three-Course Dinner for Two, Mid-Range

$67.2 NZ$119

$35.18 Rp 633.2K

90.96%

Fast Food Meal (McDonalds, etc)

$8.85 NZ$15.66

$5.80 Rp 104.5K

52.59%

Cappuccino

$3.39 NZ$6.00

$2.73 Rp 49.1K

24.18%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.83 NZ$3.23

$1.64 Rp 29.5K

11.59%

Water (0.33 liter bottle)

$1.79 NZ$3.16

$0.83 Rp 15.0K

115.66%

Local Beer (0.5 liter draught)

$4.53 NZ$8.02

$2.70 Rp 48.6K

67.78%

Imported Beer (0.33 liter bottle)

$5.72 NZ$10.12

$4.30 Rp 77.4K

33.02%

Milk (1 liter)

$1.96 NZ$3.47

$1.50 Rp 27.1K

30.67%

White Bread (500g)

$1.89 NZ$3.34

$2.30 Rp 41.4K

-17.83%

Rice (white) (1kg)

$1.60 NZ$2.83

$1.18 Rp 21.2K

35.59%

Eggs

$6.16 NZ$10.90

$2.14 Rp 38.6K

187.85%

Local Cheese (1kg)

$8.02 NZ$14.19

$17.48 Rp 314.6K

-54.12%

Chicken Fillets (1kg)

$9.32 NZ$16.48

$4.03 Rp 72.5K

131.27%

Beef Round Steak (1kg)

$11.35 NZ$20.07

$12.23 Rp 220.1K

-7.20%

Apples (1kg)

$2.46 NZ$4.35

$3.55 Rp 63.9K

-30.70%

Banana (1kg)

$2.12 NZ$3.75

$1.57 Rp 28.3K

35.03%

Oranges (1kg)

$2.24 NZ$3.97

$2.24 Rp 40.2K

Tomato (1kg)

$4.81 NZ$8.51

$1.93 Rp 34.7K

149.22%

Potato (1kg)

$1.77 NZ$3.13

$1.88 Rp 33.9K

-5.85%

Onion (1kg)

$1.20 NZ$2.11

$2.29 Rp 41.3K

-47.60%

Lettuce (1 head)

$2.03 NZ$3.58

$0.99 Rp 17.9K

105.05%

Water (1.5 liter bottle)

$1.09 NZ$1.93

$0.53 Rp 9,475

105.66%

Cigarettes 20 Pack (Marlboro, Camel)

$20.00 NZ$35.38

$2.28 Rp 41.1K

777.19%

Wine (Bottle)

$8.62 NZ$15.25

$23.01 Rp 414.2K

-62.54%

Local Beer (0.5 liter bottle)

$2.09 NZ$3.70

$2.34 Rp 42.2K

-10.68%

Imported Beer (0.33 liter bottle)

$3.26 NZ$5.76

$2.91 Rp 52.4K

12.03%

One-way Ticket (Public Transport)

$1.71 NZ$3.03

$0.24 Rp 4,315

612.50%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.27 NZ$4.01

$0.48 Rp 8,684

372.92%

Taxi (Normal Tariff) (1km)

$1.93 NZ$3.41

$0.46 Rp 8,233

319.57%

Taxi 1hour Waiting (Normal Tariff)

$31.43 NZ$55.6

$5.45 Rp 98.2K

476.70%

Gasoline (1 liter)

$1.71 NZ$3.02

$0.88 Rp 15.9K

94.32%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$25.0K NZ$44.2K

$24.6K Rp 442.2M

1.67%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$21.7K NZ$38.3K

$31.2K Rp 561.4M

-30.50%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$114 NZ$202

$83.0 Rp 1.5M

37.55%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$26.75 NZ$47.31

$6.45 Rp 116.0K

314.73%

Internet (50+ Mbps, Unlimited Data)

$50.3 NZ$89.0

$18.57 Rp 334.2K

171.03%

Gym Membership (Monthly)

$55.1 NZ$97.5

$55.8 Rp 1.0M

-1.25%

Tennis Court (1 Hour on Weekend)

$16.97 NZ$30.00

$18.11 Rp 326.0K

-6.29%

Cinema Ticket

$11.16 NZ$19.74

$4.38 Rp 78.9K

154.79%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$717 NZ$1,268

$493 Rp 8.9M

45.47%

International Primary School, 1 Child (Yearly)

$11.0K NZ$19.5K

$5,754 Rp 103.6M

91.49%

Jeans (Levis 501 Or Similar)

$65.7 NZ$116

$46.19 Rp 831.4K

42.17%

Summer Dress (H&M, Zara, etc)

$37.15 NZ$65.7

$35.33 Rp 636.0K

5.15%

Sport Shoes (Adidas, Nike)

$90.5 NZ$160

$79.1 Rp 1.4M

14.40%

Men's Leather Business Shoes

$108 NZ$191

$78.4 Rp 1.4M

37.91%

1-bedroom Apartment, City Center (Monthly)

$1,083 NZ$1,914

$1,142 Rp 20.6M

-5.24%

1-bedroom Apartment, Outside City Center (Monthly)

$1,177 NZ$2,082

$676 Rp 12.2M

74.23%

3-bedroom Apartment, City Center (Monthly)

$1,590 NZ$2,813

$3,503 Rp 63.1M

-54.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,449 NZ$2,563

$1,700 Rp 30.6M

-14.73%

Buy Apartment in City Center (m2)

$4,680 NZ$8,276

$2,784 Rp 50.1M

68.09%

Buy Apartment Outside City Center (m2)

$2,247 NZ$3,974

$2,241 Rp 40.3M

0.30%

Average Monthly Net Salary (After Tax)

$2,951 NZ$5,219

$165 Rp 3.0M

1693.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

13.78

-61.03%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Tauranga: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Tauranga

$1.2K 55.5%

Ubud, Bali

$676 49.4% 42.6% $502

Groceries & Markets

Tauranga

$295 13.9%

Ubud, Bali

$290 21.2% 1.7% $5

Eating Out

Tauranga

$227 10.7%

Ubud, Bali

$109 8% 52.1% $118

Monthly Utilities & Internet

Tauranga

$191 9%

Ubud, Bali

$108 7.9% 43.5% $83

Clothing & Footwear

Tauranga

$136 6.4%

Ubud, Bali

$108 7.9% 20.7% $28

Sport & Entertainment

Tauranga

$77 3.7%

Ubud, Bali

$65 4.7% 16.6% $13

Getting Around

Tauranga

$19 * 0.9%

Ubud, Bali

$13 0.9% 33.1% $6.2

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,083 in Tauranga and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tauranga pays 1693% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $67.0 in Tauranga vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $295 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Tauranga

🇮🇩 Ubud, Bali

🕒 Local time

07:32 7:32 AM

02:32 2:32 AM

5 h behind Tauranga

🌤 Weather

👥 Population

155,200

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Tauranga Ubud, Bali 6,880 km ≈ 9 h nonstop flight

From you

Tauranga
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Tauranga vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 55% lower than in Tauranga. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay runs 1693% higher in Tauranga, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,083 in Tauranga versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $717 in Tauranga versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $67.0 in Tauranga. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $2,123 in Tauranga, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Tauranga. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Tauranga and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 55% less than in Tauranga. Beyond cost, consider language, visa policies, and how big the international community is in each city.